The roof will collapse if the snow accumulate too much

during blizzards or white-out condition.

And you need to clean the sidewalk too. If anyone slips on it, they can sue you to the hell. The blood sucking lawyers are smiling at you.

And tri-state commute can easily double (>3hr) during snowfall.

Of course you are in FL, you don't know the pains. I am sure you can share other pains.